Hui Tan has borrowed $25,000 from his local bank. The loan will cost him 12% per year for the first 7 years and 4% per year for the next 15 years. The interest is compounded annually. At the end of the 22 years, the amount he will have to repay is closest to: O a. $99,532,81 O b. $302,507.75 O c. $100,290.62 O d. $50,145.31 O e. $135,913.51